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Saturday, August 06, 2022

Best Digital Payment Apps In India

 Best Digital Payment Apps In India


This Bangalore-based online payment app is the India's first UPI-enabled payment app, backed by Walmart-owned Flipkart with over 300 million registered users all around the India. PhonePe leads the UPI payment market in the India with a 46.04% market share.  

With PhonePe, you can transfer rupees , recharge, pay bills, shop online, book flights, invest, etc. Since it works on the UPI system, you can link your bank account with your PhonePe account to create transactions. You can even make payments through PhonePe wallet, debit card, and credit card.

You can link your other existing e-wallets like  Jio Money, Airtel Money, and others with the PhonePe app for hassle-free money transfer between these wallets. 

Google Pay

Google Pay, formerly issued as Tez in India is a digital payment app from Google which uses the UPI to enable in-app, online, in-store, and in-person cashless transactions on mobile devices, tablets, smartwatches. Users can send and appeal money from other Google Pay users within India. 

Google Pay India even has similar product offerings in other markets like  various cashback and other rewards containing scratch cards, discounts, etc.

According  the latest data from the NPCI, Google Pay shares 34.36% of the total UPI payment market in India, 2nd to PhonePe. There are over 70 million active users in the nation.


Paytm (or pay through phone) is a Noida-based fintech firm that is owned by One97 Communications. Paytm is one of India's largest phone  payments and e-commerce player. It permits cashless transactions through the Paytm app or Paytm website. 

Paytm wallet lets you store and send money from one wallet to another wallet or pay directly from your bank account utilizing the UPI. You can recharge your mobile phones, metro cards, data cards, DTH cable and make use  bills payments, postpaid payments. Or book movies and travel tickets, do online shopping or use at different locations like  taxis, grocery shops, restaurants, malls, etc.

With over 150 million active consumers, Paytm continues to be at the top with the largest volume of transactions by any payment firm in the India. Paytm is valued at $16 billion as of year 2020.

Amazon Pay 

Amazon Pay, owned by e-commerce giant Amazon is an online payment service that permits customers to use payment methods stored in their Amazon account for the buy of goods and services on Amazon and other third-party e-commerce websites. Users can even  pay utility bills, phone bills, send money to contacts, and more. 

You can even set up Amazon Pay UPI for UPI transactions by registering through the Amazon app. Amazon UPI services are given by Axis Bank. There are now 50 million customers utilizing Amazon Pay UPI services.

Free Charge

Believed by over 27 million users, Free Charge is a famous e-commerce website and a digital wallet owned by Axis bank. Customers utilize FreeCharge to recharge their prepaid, postpaid, metro card, DTH, utility bill payments, and do online shopping and in-store purchases. 

Marketed as the one-stop solution for online recharge, it involves major network providers in India containing Airtel, Aircel, Vodafone, BSNL, etc. It gives generous cashback, multiple discounts for various transactions.

Free Charge wallet is UPI-enabled which permits customers to send and receive money through the UPI system.  


JioMoney is a digital payment app by Reliance Industries that can be utilized for bill payments, recharge mobile/DTH, and making payments at thousands of online and physical stores. JioMoney is obtainable as a payment option at several e-commerce sites.

JioMoney even  offers discounts, cashback, coupons, and deals.

JioMoney Wallet is obtainable for download on Apple App Store or Google Play Store. The money can be added to the wallet utilizing Net banking, debit card, or credit card or link the bank account.  

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